Self-Employed Disability Health Insurance

By purchasing self-employed disability insurance, individuals who work for themselves can take steps to ensure that they are able to maintain a comfortable lifestyle in the event of an illness or injury. There are many types of insurance policies that the self-employed may need to purchase. For example, they may need professional insurance to ensure that their personal assets are not at risk in a lawsuit. If they travel for work, they may also need auto insurance that provides coverage for business use. The self-employed also need to purchase health and disability insurance policies to provide coverage for themselves and their families.

Differences Between Disability and Health Insurance Policies for the Self-Employed

Health insurance policies can be used to reduce the financial burden of visiting doctors and purchasing prescription medications. While health insurance may help cover the cost of medical procedures, it does not provide for lost wages that can result from illnesses or personal injuries. Disability insurance policies can replace wages for the self-employed when they are unable to work for a prolonged period of time. Some disability policies for the self-employed can provide coverage until retirement age. Even though individuals may be paying premiums toward policies, they may have a struggle on their hands when they file claims for their benefits. Attorneys can intervene when insurance companies wrongfully deny benefits or try to limit them.

David Allen & Associates Law maintains offices in California, as well as in Reno, NV. The attorneys at the firm specialize in helping clients with all legal aspects relating to disabilities, including obtaining compensation they may be owed by the parties responsible for the injuries and providing representation against insurance bad faith.